Earn Extra Points for Everyday Purchases

Get the GO REWARDS card, and you could save money on interest with a 0% intro APR on purchases for 6 months. After that, a variable APR between 8.99% and 18% applies.1

Plus, earn 10,000 bonus points when you spend $1,000 within 90 days of opening your account.2

With the GO REWARDS card, you’ll earn more for everyday purchases:

  • Earn More Points on Dining

    Earn 3X points at restaurants, including takeout3

  • Earn More Points on Gas

    Earn 2X points on gas

  • Earn Points on All Your Purchases

    Earn 1X points on everything else

When you’re ready to redeem your points, take your pick from cash, travel, gift cards and merchandise. 

Apply by June 30, 2021. You can also visit a branch or call 1-888-842-6328; just make sure to mention acceptance code 71188

With GO REWARDS, You'll Also Enjoy:

No annual fee1

No balance transfer fees1

No foreign transaction fees1



As of 08/01/2021, rates range from 8.99% APR to 18.00% APR, are based on creditworthiness, and will vary with the market based on the U.S. Prime Rate. ATM cash advance fees: None, if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction.


Offer valid for cardholders issued new GO REWARDS credit card accounts. New accounts that are converted from another Navy Federal card are not eligible for the offer. To be eligible for the 10,000 bonus points, you must make $1,000 or more in net purchases within 90 days of account opening. Earn rewards on eligible net purchases. "Net purchases" means the sum of your eligible purchase transactions minus returns and refunds. Eligible purchase transactions do not include, and rewards are not earned for, the following transactions: cash advances, convenience checks, balance transfers, gambling, or fees of any kind, including finance charges, late fees, returned check fees, ATM cash advance fees, and annual fees, if any. Cash equivalent transactions, such as the purchase, loading, or reloading of gift and prepaid cards (e.g., money orders, Visa® Buxx Cards, GO Prepaid Cards and other cash equivalent gift cards), may not be eligible purchase transactions and may not earn rewards. Please allow up to eight weeks after the 90-day period for the 10,000 bonus points to post to your rewards balance. Account must be open and not in default at the time the 10,000 bonus points are scheduled to post to your rewards balance. Limit of one promotional offer at account opening. Valid for accounts applied for by 6/30/2021. Excludes Navy Federal Business cards.


GO REWARDS credit cards earn 3 points for every $1 of net purchases made at restaurants, 2 points for every $1 of net purchases made for gas, and 1 point for every $1 of other net purchases. A GO REWARDS restaurant or gas purchase may only earn 1 point per dollar spent, depending on the merchant code used to process the transaction. Restaurants located within another establishment (e.g., hotel, casino, commissary, grocery store, event venue) may be ineligible, in which case you will receive 1 point per dollar spent at these locations. In addition, superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations, so you will earn 1 point per dollar spent at these locations. For more information, view the GO REWARDS Program Description Guide.